Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 hi, guys, some of us were denied by insurance company because we have pre- existing condition. The waiting period is 6 month. when we re-apply 6 months later, we still have the same condition and we will be denied again. so if we try to buy individual insurance with A, we will never be accepted. is this true? any idea? Thank you. Quincia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 Hi Q- they will deny you for the pre-existing condition for only the given period of time (6 months is good, usually it's 12) - once that time is over, they will cover you. Buying private insurance with a pre- existing condition is probably going to cost more though. The companies do that to prevent people from buying insurance - getting expensive treatments and then dropping it again. It helps to protect them. Hope that helps. Happy Swallowing! - in Va. > > hi, guys, > some of us were denied by insurance company because we have pre- > existing condition. The waiting period is 6 month. when we re-apply 6 > months later, we still have the same condition and we will be denied > again. so if we try to buy individual insurance with A, we will never > be accepted. is this true? any idea? Thank you. > Quincia > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 hi, , thank you for replying me. what is considered as private insurance? is Blue cross or blue shield consider as private insurance? Thank you. Q --- michelle <michelle.mcnair@...> wrote: > Hi Q- they will deny you for the pre-existing > condition for only the > given period of time (6 months is good, usually it's > 12) - once that > time is over, they will cover you. Buying private > insurance with a pre- > existing condition is probably going to cost more > though. > The companies do that to prevent people from buying > insurance - getting > expensive treatments and then dropping it again. It > helps to protect > them. > > Hope that helps. > Happy Swallowing! > - in Va. > > > > > > > hi, guys, > > some of us were denied by insurance company > because we have pre- > > existing condition. The waiting period is 6 month. > when we re-apply 6 > > months later, we still have the same condition and > we will be denied > > again. so if we try to buy individual insurance > with A, we will never > > be accepted. is this true? any idea? Thank you. > > Quincia > > > > > > > > __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 I called my regular agent about health insurance and she told me I would have to go about 12 months with out any problems then they would cover me! It was expensive, but not terrible, me and are looking into getting a policy soon. I guess you can’t put a price on how good of medical care you want!!!! So in that regard, it wasn’t bad! And the one that she looked up for me covered CCF, so that would cover my doc up there. C Warren Co-Founder www.achalasia.us From: achalasia [mailto:achalasia ] On Behalf Of qing xu Sent: Thursday, July 20, 2006 4:16 PM achalasia Subject: Re: Re: pre-existing condition hi, , thank you for replying me. what is considered as private insurance? is Blue cross or blue shield consider as private insurance? Thank you. Q --- michelle <michelle.mcnair@...> wrote: > Hi Q- they will deny you for the pre-existing > condition for only the > given period of time (6 months is good, usually it's > 12) - once that > time is over, they will cover you. Buying private > insurance with a pre- > existing condition is probably going to cost more > though. > The companies do that to prevent people from buying > insurance - getting > expensive treatments and then dropping it again. It > helps to protect > them. > > Hope that helps. > Happy Swallowing! > - in Va. > > > > > > > hi, guys, > > some of us were denied by insurance company > because we have pre- > > existing condition. The waiting period is 6 month. > when we re-apply 6 > > months later, we still have the same condition and > we will be denied > > again. so if we try to buy individual insurance > with A, we will never > > be accepted. is this true? any idea? Thank you. > > Quincia > > > > > > > > __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 Hi Q- it could be anything that you buy on your own instead of getting through an employer. You can get the same coverage on your own but you'll just have to pay more. You may have to do some shopping around for the best and most cost effective plan. Good luck! -- In achalasia , qing xu <qqqqqq_94118@...> wrote: > > hi, , > thank you for replying me. what is considered as > private insurance? is Blue cross or blue shield > consider as private insurance? > Thank you. > Q > > --- michelle <michelle.mcnair@...> > wrote: > > > Hi Q- they will deny you for the pre-existing > > condition for only the > > given period of time (6 months is good, usually it's > > 12) - once that > > time is over, they will cover you. Buying private > > insurance with a pre- > > existing condition is probably going to cost more > > though. > > The companies do that to prevent people from buying > > insurance - getting > > expensive treatments and then dropping it again. It > > helps to protect > > them. > > > > Hope that helps. > > Happy Swallowing! > > - in Va. > > > > > > > > > > > > hi, guys, > > > some of us were denied by insurance company > > because we have pre- > > > existing condition. The waiting period is 6 month. > > when we re-apply 6 > > > months later, we still have the same condition and > > we will be denied > > > again. so if we try to buy individual insurance > > with A, we will never > > > be accepted. is this true? any idea? Thank you. > > > Quincia > > > > > > > > > > > > > > > > > > __________________________________________________ > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 Oh, Quincia, That sounds so nasty and probably so true, too. All I can say is UGH! and ARGH ! But if I hear anything, I'll certainly email-in. ugh. argh! Deborah Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 Quincia -- My understanding of "pre-existing condition" and the HIPPA law is that if you DON'T RECEIVE TREATMENT for a condition in six months' time, then you "don't have it anymore" when it comes to being considered as having a pre-existing condition. It's not so much a case of "do you still have achalasia" but rather "have you been treated for achalasia in the past six months". Basically, it's to weed out things like blood pressure, diabetes, etc -- if you've been taking insulin (or blood pressure medication) every day for six months, you're still "being treated for diabetes (or hypertension)" and therefore you still have your pre-existing condition. If you had a back injury and received physical therapy or surgery to treat it eight months ago but haven't talked to a doctor about it since, then you "no longer have a bad back" (even if it will always be weak and injury-prone). Also, if you have insurance through one company and need to change to another company (such as due to a change in employment), your first company is required to give you a certificate confirming the fact that you had insurance with them thru such-and-such date. THIS IS IMPORTANT because even if you DO have a pre-existing condition that you HAVE been treated for within the past six months, if you had insurance during the time that you were treated and you've kept your insurance since then, your pre-existing condition cannot be used as cause to deny you insurance with the new company. Debbi in Michigan hi, guys, some of us were denied by insurance company because we have pre-existing condition. The waiting period is 6 month. when we re-apply 6 months later, we still have the same condition and we will be denied again. so if we try to buy individual insurance with A, we will never be accepted. is this true? any idea? Thank you. Quincia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 hi, Debbi, thank you very much for replying me. I am really appreciated. What is medical underwriting? is it a process to determine the eligibility of the applicant? if I don't receive any treatment for Achalasia for 6 months then apply. will the insurance company deny me using medical underwriting? I am applying another insurance since I was denied by Blue Cross. and that insurance plan denied me since I have pre-existing condition, they welcome me to apply after 6 months. Unlike Blue Cross, they did not mention medical underwriting. Will I be possibly accepted if I apply again after 6 months later? thank you. Quincia > > Quincia -- > > My understanding of " pre-existing condition " and the HIPPA law is that if you DON'T RECEIVE TREATMENT for a condition in six months' time, then you " don't have it anymore " when it comes to being considered as having a pre-existing condition. It's not so much a case of " do you still have achalasia " but rather " have you been treated for achalasia in the past six months " . > > Basically, it's to weed out things like blood pressure, diabetes, etc -- if you've been taking insulin (or blood pressure medication) every day for six months, you're still " being treated for diabetes (or hypertension) " and therefore you still have your pre-existing condition. If you had a back injury and received physical therapy or surgery to treat it eight months ago but haven't talked to a doctor about it since, then you " no longer have a bad back " (even if it will always be weak and injury-prone). > > Also, if you have insurance through one company and need to change to another company (such as due to a change in employment), your first company is required to give you a certificate confirming the fact that you had insurance with them thru such-and-such date. THIS IS IMPORTANT because even if you DO have a pre-existing condition that you HAVE been treated for within the past six months, if you had insurance during the time that you were treated and you've kept your insurance since then, your pre-existing condition cannot be used as cause to deny you insurance with the new company. > > Debbi in Michigan > > hi, guys, > some of us were denied by insurance company because we have pre- > existing condition. The waiting period is 6 month. when we re-apply 6 > months later, we still have the same condition and we will be denied > again. so if we try to buy individual insurance with A, we will never > be accepted. is this true? any idea? Thank you. > Quincia > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 20, 2006 Report Share Posted July 20, 2006 Underwriting is just the process they use to determine your premium rate. If someone is a healthy male in his early 20s with no known medical problems, he's going to pay a lot less for insurance than an overweight, hypertensive, diabetic male in his 60s with a history of heart problems. Women also get screwed over on rates simply b/c we "might" get pregnant. (Rates on a 20yo healthy woman can be twice the rates of a 20yo healthy man!) Every state's laws are different, but I know in Michigan there is a "carrier of last resort" that MUST offer insurance to EVERYONE regardless of their health status. However, the insurance company can also set their rates according to that person's health status, which is basically the same as denying coverage if they set the rate at $10,000/month! I would do a "google search" for the words "health insurance" "pre-existing condition" and your state's name to find out if the rule is six months or 12 months there. Even better would be if you can contact an independent agent (someone who sells insurance for several different companies and not just one) and explain your situation. They'll have a good idea of which company is going to offer you the best rates and what kind of waiting period you would have to have in order to not be considered 'pre-existing' anymore. Hope that helps!Debbi hi, Debbi, thank you very much for replying me. I am really appreciated. What is medical underwriting? is it a process to determine the eligibility of the applicant? if I don't receive any treatment for Achalasia for 6 months then apply. will the insurance company deny me using medical underwriting? I am applying another insurance since I was denied by Blue Cross. and that insurance plan denied me since I have pre-existing condition, they welcome me to apply after 6 months. Unlike Blue Cross, they did not mention medical underwriting. Will I be possibly accepted if I apply again after 6 months later? thank you. Quincia Quote Link to comment Share on other sites More sharing options...
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